| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $13K | — | $13K | 0.50% |
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 GRANITE BAY, CA 95746 | BLUECROSS BLUESHIELD OF TEXAS | $25K | — | $25K | 4.40% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 11555 SORRENTO VALLEY ROAD SAN DIEGO, CA 92121 | BLUECROSS BLUESHIELD OF TEXAS | $10K | — | $10K | 1.79% |
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 11.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 6.77% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC. | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $1K | $20K | 7.43% |
| VARIOUS - SEE ATTACHED3 Filed as: CONTINENTAL AMERICAN INSURANCE | P.O. BOX 42 COLUMBUS, GA 31999 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 9.95% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $7K | $31K | 39.74% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 740 | $3.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 730 | $268K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 730 | $268K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 730 | $457K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 287 | $189K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 740 | $2.5M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 287 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.